apiVersion: naftiko.io/v1alpha1
kind: CapabilityComposition
metadata:
  name: digital-banking-experience
  title: Digital Banking Experience Workflow
  provider: jack-henry
  description: >-
    End-to-end workflow that composes Banno's Authentication Framework,
    Consumer API, and Plugin Framework to deliver a third-party-embedded
    digital-banking experience: authorize the user via OIDC, read account
    and transaction context, surface a custom Banno plugin card, and (when
    needed) execute a transfer or Zelle payment on the user's behalf.
  tags:
    - Digital Banking
    - Workflow
    - OAuth
    - Plugins
    - Embedded Banking
spec:
  steps:
    - id: authorize
      capability: banno-authentication-framework
      operation: authorize
      description: Redirect the user through Banno OIDC for consent on requested scopes.
    - id: exchangeToken
      capability: banno-authentication-framework
      operation: exchangeToken
      description: Trade the authorization code for access + identity tokens.
    - id: getUser
      capability: banno-consumer-api
      operation: getUser
      description: Resolve the authenticated user profile.
    - id: listAccounts
      capability: banno-consumer-api
      operation: listAccounts
      description: Fetch the user's deposit, debt, line-of-credit, and investment accounts.
    - id: listTransactions
      capability: banno-consumer-api
      operation: listTransactions
      description: Pull recent transactions for the active account.
    - id: renderPluginCard
      capability: banno-plugin-framework
      operation: getPluginManifest
      description: Load the partner plugin manifest and render the card in the user's dashboard.
    - id: createTransfer
      capability: banno-consumer-api
      operation: createTransfer
      description: When the user initiates an action from the plugin, schedule a transfer.
      optional: true
    - id: sendZelle
      capability: banno-consumer-api
      operation: sendZellePayment
      description: Alternative — send a Zelle payment if the action calls for it.
      optional: true